AU Bank LIT Credit Card
Joining Fee: No joining fee
Renewal Fee: No renewal fee
Reward Type: Reward Points
Reward Points
Base Rewards:
1 Reward Point (RP) for Every Rs. 100 Spent: Earn 1 RP on all retail transactions made with the card.
Category-Specific Cashback:
Grocery Spends: Earn 5% cashback on grocery purchases. This feature is available for Rs. 299 for a 90-day period, with a maximum cashback limit of Rs. 1000 per month.
Travel Spends: Earn 5% cashback on travel-related expenses. This feature costs Rs. 299 for 90 days and offers up to Rs. 1000 cashback per month.
Dining Spends: Enjoy 5% cashback on dining expenses. This feature is available for Rs. 299 for 90 days, with a maximum cashback limit of Rs. 1000 per month.
Electronics Spends: Get 5% cashback on electronics purchases. Available for Rs. 299 for 90 days, with a maximum cashback of Rs. 1000 per month.
Apparel Spends: Receive 5% cashback on apparel purchases. This feature costs Rs. 199 for 90 days and provides up to Rs. 1000 cashback per month.
Milestone Benefits:
5% Additional Cashback: Available for Rs. 299 for a 30-day period. Earn 5% cashback on total spends exceeding Rs. 7500 (excluding fuel, cash advances, and rent). Maximum cashback of Rs. 500 per month.
2% Additional Cashback: Available for Rs. 199 for a 30-day period. Earn 2% cashback on total spends exceeding Rs. 10,000 (excluding fuel, cash advances, and rent). Maximum cashback of Rs. 100 per month.
5X/10X Rewards:
Customization Period: The selected features are valid for 90 days, with auto-renewal enabled unless manually disabled.
Online Spends: Earn 10X or 5X reward points (Rs. 299 or Rs. 199 for 90 days).
Offline Spends: Earn 10X or 5X reward points (Rs. 299 or Rs. 199 for 90 days).
Reward Redemption
The reward points accumulated can be redeemed for a variety of benefits:
Merchandise: Use reward points to purchase merchandise from the reward catalog.
Travel: Book flights, hotels, buses, and movie tickets with your points.
Recharge: Use points for mobile or DTH recharges.
Golf Sessions: Redeem points to book golf sessions at golf courses across India.
E-Gift Vouchers: Convert points into e-gift vouchers for various brands.
Air Miles: Transfer reward points into air miles for use with airline loyalty programs.
Note: Base Reward Points are not earned on cash withdrawals, EMI transactions, or fuel purchases.
Other Features & Benefits
The AU Small Finance LIT Credit Card offers a range of customizable features, allowing you to select and pay only for the benefits you need. Here’s a breakdown of the available features:
Airport Lounge Access:
Single Visit: Access to one domestic airport lounge in India for Rs. 199 for a 90-day period.
Two Visits: Access to two domestic airport lounges in India for Rs. 299 for a 90-day period.
Benefit: Enjoy a comfortable experience during your travels with access to lounge facilities.
Memberships:
Zee5 Membership: Get 3 months of Zee5 access for Rs. 99 for 90 days, with a minimum spend of Rs. 5000 required to avoid a Rs. 50 penalty.
Amazon Prime Membership: Enjoy 3 months of Amazon Prime for Rs. 199 for 90 days, with a minimum spend of Rs. 10,000 needed to avoid a Rs. 100 penalty.
Cult.fit Membership: Avail 3 months of Cult.fit access for Rs. 499 for 90 days, with a minimum spend of Rs. 20,000 required to avoid a Rs. 200 penalty.
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver: Available for Rs. 49 for 90 days. The waiver applies to transactions between Rs. 400 and Rs. 5000.
Summary
The AU Small Finance Bank LIT Credit Card is a unique, customizable credit card designed to offer a wide range of benefits in a single card. This lifetime free card allows users to earn 1 reward point for every Rs. 100 spent on retail transactions, with accelerated rewards up to 10x on selected features like online or offline purchases. It also provides category-specific cashback, such as 5% on grocery, travel, dining, electronics, and apparel spends, available for a small fee. The card offers flexible redemption options, including merchandise, travel bookings, golf sessions, and air miles. Additionally, it features customizable add-ons like airport lounge access, memberships to platforms like Zee5 and Amazon Prime, and a fuel surcharge waiver. Users can choose and pay only for the benefits they need, making it highly adaptable to individual spending habits. The card's innovative approach to customization makes it a standout option for those looking for comprehensive credit card benefits without the hassle of managing multiple cards.